Yep, forgot something essential here, Chris! While you (and I) are obviously the only ones remaining on the / this earth that have to turn each and every coin (penny or Euro-cent-o-thing alike): don't spent your own money on baked sand; in the end, only your boss makes a living out of your investments. Invest in your wife, your kids, your home, your life. We don't have a watchdog that will reset if everything else fails, so enjoy the program as long as it lasts!